Frederick County property record for 12 S Jefferson St, Frederick, MD 21701
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 2,332 sqft · built 1860 |
| Lot Size | 0.09 acres (3,900 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $115,000 (Feb 2016) |
| Tax Bill | $7,913 (2025) |
| Deeds & Mortgages | Mar 2020 Mortgage Mar 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-027674 |
| Primary APN | 02-027674 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,332 sqft Living Area |
| 1st Floor Area | 1,206 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1860 |
|---|---|
| Effective Year Built | Effective 1860 |
| Architectural Style | Conventional |
| Exterior Material | Brick |
| Construction Type | Frame |
| Roof Type | Sawtooth |
| Roof Material | Metal |
| Lot Area | 3,900 sqft (0.09 acres) |
| Lot Dimensions | 130 ft deep x 30 ft wide |
| Porch | Open Porch |
| Porch Area | 84 sqft |
| Deck Area | 176 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 027674 |
|---|---|
| Street Address | 12 S JEFFERSON ST |
| City | FREDERICK |
| State | MD |
| Zip | 21701-4802 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | DR |
| Legal Description | LT 30 X 130 12 S. JEFF. ST. FREDERICK |
| Legal Subdivision | FREDERICK |
| Legal Lot Number | 12 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 2, FREDERICK |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 750300 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Frederick Historic District (Boundary Increase) listed 1988 · 2,435 contributing resources · NRIS 88000713 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
Source: Frederick County records, as of August 7, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 12 S JEFFERSON ST, FREDERICK, MD 21701-4802 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 9, 2020 | Deed of Trust, Mortgage · VA Mortgage NAVY FCU |
| Mar 20, 2019 | Deed of Trust, Mortgage · VA Mortgage NAVY FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 4, 2016 · Amount on Record |
| Deed Sale | Feb 4, 2016 · Amount on Record |
| Prior Sale | Mar 27, 1998 · Amount on Record |
| Deed Book / Page | 10975 / 278 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 12 S JEFFERSON ST, FREDERICK, MD 21701-4802 |
| Document Number | 0136080277 |
| Instrument Date | Mar 9, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 27, 2020 |
| Title Company | NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS |
| Name | Verified Name |
|---|---|
| Address | 213 LEPES RD PORTSMOUTH RI 028713903, PORTSMOUTH, RI 02871-3903 |
| Document Number | 0136080277 |
|---|---|
| Date | Mar 23, 2020 |
| Book Page | 013608/000277 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 22, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 12 S JEFFERSON ST, FREDERICK, MD 21701-4802 |
| Document Number | 0128880398 |
| Instrument Date | Mar 20, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 213 LEPES RD PORTSMOUTH RI 028713903, PORTSMOUTH, RI 02871-3903 |
| Document Number | 0128880398 |
|---|---|
| Date | Mar 26, 2019 |
| Book Page | 012888/000398 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 25, 2049 |
Source: Frederick County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Frederick County |
| Municipality | Frederick City |
| Unified School District | Frederick County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $464,267 (+32.18%) | $535,400 (+24.89%) Land $164,500 Building $370,900 | |
| 2025 | $7,913.00 (+23.6%) | ||
| 2023 | $6,402.00 | $351,233 | $428,700 Land $129,500 Building $299,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective November 6, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 1 in force |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF FREDERICK serves 54,000 people · EPA ID MD0100015 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jun 2024 |
| Lead | 1 ppb (2019–2021) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 587 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Glo Fiber Fiber | 8,000 / 8,000 |
| Xfinity Cable · Fiber in parts of the area | 2,000 / 2,000 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: T-Mobile, Verizon.
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